Who has the highest balance of reward points? I haven’t touched mine since I opened it in 2015. I promise it’s not a flex, just curious if others have the same mentality and/or higher.
Also, I wish they allowed transfer to other cards with added bonuses like other reward programs.
I hardly use navy federal at all but wanted to start to utilize them more so I thought I’d apply and see what happens. I personally have over an 800 credit score but I don’t think I’ve ever had more than $1000 in my navy federal account because I primarily bank with chase. I believe I’ve had a navy federal account for approximately 6 years as well.
Ya know it would be pretty cool if NF had the option of a metal debit and metal credit cards especially the flagship!
I've had overdraft protection practically since day one. Maybe a couple years ago, the policy seemed to have changed.
Used to be the od protection coild be used to pay a nfcu loan or credit card. Now it doesn't seem like you can, even if you have your entire credit line available.
Anyone know when this changed? It's very inconvenient. I wish I got paid weekly, but i don't so my account can routinely go into and out of od protection. If it goes into od protection, then I can't pay cc bill until my paycheck actually comes in a day or two later.
Applied 12am. Approval around 12pm. 727 TU, 761 Equifax, 1% Uti., 3 Inquiries. CLI on Graduated Card in Sept. Plan Your Work & Work Your Plan. More Rewards or Flagship in November. ✨️🤟
Hi everyone so in October I was planning on getting a car and I was looking for a car between 15k-20k I wanna to go up a little more but I was told that’s a better range for my first car and it most likely will be used but I wanted to ask how much would my payment be I do have good credit as well
Chapter 7 discharged in February. Opened this secured card with $200, went to $600 after 3 months. Awoke to this $3000 about 3 days after my 6th statement.. Have a small IRA and certificate and $1000 a month DD. I have been a member since 2018 but rarely used them before this year.
Help me with what to now. Apply for other card? Auto Loans? Chill my 💩?
I've had my Navy Federal cash rewards secured credit card since early October of 2025. I started with $1,000 deposit which I know gets put on a hold instead of actually the funds being taken out. However, since the first 2 or 3 months that I've had this card, the funds from that hold have never shown in my account like my savings account.
Yesterday I opened up my app to see that my savings account says I have $1,045, but my available balance is only $45. That $1,000 is showing as an account hold.
I'm wondering if it is possible that that means they're getting ready to release that back to me and graduate me to an unsecured card? I understand how the hold works for the secured card but over the last 6 to 8 months I've never noticed that deposit money showing in my savings account.
I've been debating trying to either apply for a different card or ask for a credit limit increase even though it is a secured card as I've heard some people have gotten them without having to deposit more money. Just trying to figure out my best option.
This feels fake. I'm a new home owner, I just got this piece of mail. Unless someone tells me a wrong, imma ignore it.
So I finally pulled the trigger and joined NFCU. I'm moving out of state and my bank I've had for 20 years is local. I haven't had a credit union in the last 20 years.
Few questions.
Is there a time limit on getting credit cards or loans?
Also are there things that I should take advantage of that are of no cost?
I just want to get the most out of my membership.
Thanks
I just got a 7000 loan but the car I wanted to get has insanely bad reviews “jeep patriot” so I want to cancel it before I sign that deal.. Can I cancel I loan I’ve already picked up in person?
Hey Reddit, I wanted to share a quick timeline and win because I am genuinely mind-blown by how this worked out.
January 5, 2026: I joined Navy Federal Credit Union and made a small deposit of $5. After that, the account just sat there collecting dust.
June 2026: I came onto Reddit, learned a ton, followed all the good advice, and officially started my relationship and credit journey with Navy Federal.
June 2026 (Products): I tried the credit card pre-qualification tool and was only recommended the secured card. I went ahead and opened a cashRewards Secured card with a $200 limit, and simultaneously set up a $1,002 pledge loan.
August 17, 2026 (Today): Even though I haven't even received my first statement for these products yet, both accounts officially hit my credit report today!
My pledge loan showed up already 91% paid down, along with my $200 secured card. Seeing those accounts hit my report gave my credit score a nice 22-point jump!
The Plot Twist:
I was skeptical, but on a whim, I decided to run the credit card pre-qualification tool again—even though I had just opened my secured card only a month and a half ago.
To my shock, this time I was prequalified for all of their major credit cards! I didn't even know which one to pick, so I randomly selected one and applied—and I was approved!
I honestly don’t even know how this is possible in just 1.5 months.
To be fair, my credit scores aren't terrible (TU: 695, EX: 689, EQ: 702), but I had a very thin profile with limited history.
Before this, I only had 2 store credit cards and zero bank credit cards or installment loans on my report because I couldn't get approved for anything else anywhere else.
Moral of the story: Building an internal relationship with this bank is truly key. If you trust the process and use their starter products, it can completely flip your profile around faster than you'd think.
Credit/Loan Lineup Feb 2026 → Aug 2026
**OLD (Feb 2026)**. FICO 8 FICO 8
700s 760s
Credit Cards:
- Credit One – $500 (closed 8/10)
- Indigo – $300 (closed 8/10)
- US Bank Shield – $500
- Chase Freedom Unlimited – $500
- Milestone – $500 (closed 1/2026)
Loans:
- Navy Federal pledge loan – 15% paid
- Kikoff credit builder – 11 months left
- Ava credit builder – monthly
Banking:
- Chase debit
- Navy Federal debit
**NEW (Aug 2026)**
Credit Cards:
- Fidelity Rewards Visa – $500
- Navy Federal More Rewards – $11,700
- US Bank Cash+ – $1,000 (upgraded from shield)
- Chase Freedom Unlimited – $1,000 (CLI)
Loans:
- Navy Federal pledge loan – 92% paid
- Kikoff credit builder – PAID OFF
Banking:
- Chase debit
- Navy Federal debit
- Fidelity Cash Management (new)
Current credit score before the 2 new card hit is 760-768
Between all 3 credit company’s
Any tips or advice would be greatly appreciated. I’m looking to maintain this setup for a while to age my accounts. I’ve opened two new cards, closed two others, and paid off two more. The next step is to use my Fidelity card frequently and pay it off to get a credit limit increase. I’m happy to be able to close my predatory accounts and start fresh. All my cards are currently paid off, and I’m paying them off weekly.
What’s the most you’ve been approved for a personal loan?
I’ve seen people get approved up to 70k for an auto loan on here, I’ve been having an idea of starting a box truck company. What will be the most ethical way to get funding with navy federal?
Should a personal loan? Or an auto loan?
Ideally I would like to have some extra money on the side.
Of course I’m just on the brainstorming phase. I know there’s licenses and llc/ein sign ups before even taking out a loan.
Explain credit is at 733 I do have 2 credit cards with navy federal already 1 at $1,500 and another at $8,300 always paid before the due date even comes up
Is this basically a pre-qualification? I was already planning on financing a car with them soon so this is perfect if so!
Apply or wait?
Wait and build or apply?
I’ve been waiting to apply for a NCU flagship card for a while now. My credit took a dive about a year ago, just went through my 30% and held it too high for too long. This past weekend I applied for a NCU savings and deposited $5 there. I tried tot “pre approval” just for s#it’s and giggles and was surprised to see they offered me every card they have available.
Here’s my story:
Income: $109,000 single, no kids
current scores: EX 670, TU 636, EQ 624
CU: 39% (will come down to 29% in a week after two big payments)
Late payments: 3 from 5 years ago that will fall off in Jan
Payment history: 99% (would be 100% without the 3 \\\^\\\^)
Hard INQ: 6 (2 will fall off in a couple months, 4 NY)
Credit mix: Apple Card, AMEX Plat, Discover, 3 CAP one(plat, qck silv, venture x), Mercury card, credit one, jewelry store card
Oldest card on file: two of the three CAP 1
Based on all that I’ve read in so many of the inquiries similar to mine. Most people have applied with 100% success and high CL based on TU scores being above 740, which is what it sounds NCU uses - not Experian. My scores (particularly TU) will rise to 729 within the next couple of months as I pay down about 6k of debt. Ultimately, I want to rid myself of ALL capital one products as they suck and have not treated me well as a consumer. I know I’ll have to keep at least the two as I’ve had them for well over 11 years now. I also want to get rid of discover, credit one, and mercury - keeping only the apple , AMEX PLT, and what I’d hope to hold NCU flagship.
My question is; should I take the risk and apply now or wait and continue to build my score within the next two months?
P.S. please don’t feel bad to be bluntly honest. I appreciate the feedback and knowledge as I want to grow my portfolio to have higher CL’s.
Has anybody else had money randomly get withdrawn from their savings? I have my rent money in my savings and it went down like $15 the other day. Then this morning i wake up and see $20 was transferred to “other” today. I had just woken up so i didn’t transfer anything. And it was not deposited into my other accounts
What's there likely possibility of getting credit card with Navy Federal after bankruptcy and they were on the bankruptcy?